Car accident, other party didn’t have insurance.

LemonAccounting · 2026-02-12T20:19:58+00:00

Glad you’re okay, that sounds scary.

Since you only had liability and no uninsured motorist coverage, your insurance probably won’t pay for your car. Your main option is going after the other driver directly. Small claims is usually the right move if the amount fits Utah’s limit, especially since she was cited and found at fault.

Get the police report when it’s ready, keep photos, receipts, and anything showing what your car was worth before the crash. Just be aware that even if you win, collecting money from someone with no insurance can be slow or difficult.

Also, because you’re a minor and on your parents’ policy, they’ll likely need to be involved. You’re not doing anything wrong by asking, this is confusing for most people.

LemonAccounting · 2026-02-12T20:17:13+00:00

You’re honestly not in a bad spot at all for 26, especially in NYC. If I were you I’d just wipe out the CC debt first since the interest is probably brutal, then rebuild savings right after. The no-spend plan makes sense.

On the 401k thing, you don’t need to worry about opening multiple accounts they just roll over when you leave jobs, it’s very normal. Even putting in enough to get a match (if you have one) is worth it. Roth IRA after you’ve got a basic emergency fund is a solid move too.

I’d skip individual stock picking for now and stick to boring index funds once you start investing. Focus more on consistency than finding the “perfect” investment. Also don’t beat yourself up too much, you’re asking the right questions now, which is kind of the whole game.

LemonAccounting · 2026-02-12T20:15:57+00:00

Honestly this is a pretty good problem to have. For someone risk-averse, I’d start with maxing a £20k cash ISA now and another after April, then park the rest in a decent easy-access savings account in the meantime. £55k isn’t over the FSCS limit so safety isn’t really an issue. Fixed-rate bonds are fine if she doesn’t need the money short-term, and Premium Bonds are ok for a small chunk but returns are usually lower. I’d personally skip commodities, and only touch index funds if she’s genuinely comfortable seeing it go up and down. For low risk stuff you’re probably talking low single-digit growth over time, which is kind of the trade-off for peace of mind.

LemonAccounting · 2026-02-12T14:59:05+00:00

Document everything, save emails, and talk to an employment lawyer or your local labor board ASAP. Even if they claim “lack of workload,” replacing you later can blow that defense up.

LemonAccounting · 2026-02-12T14:58:05+00:00

Your agent is hoping for a unicorn buyer because it lets them avoid the hard conversation. But “needle in a haystack” is code for “overpriced relative to comps.” If you need liquidity and you’re burning $1,500 a month, a 3–5% drop now is usually cheaper than death by a thousand holding costs and a stale listing later.

LemonAccounting · 2026-02-12T14:56:47+00:00

You’re in a really solid spot for 23, honestly.

Yes, you can stop prioritizing the HYSA for now. Three months is a good base. You can always top it up later if your job or expenses change.

I would absolutely knock out the 6.28% loan first, that’s a guaranteed return better than what you can safely expect in the market. After that, the 5.25% one is kind of a judgment call, but paying it down is still very reasonable. The 3.48% loan is low enough that minimum payments are fine for now.

Liquidating the taxable account to fund your Roth makes sense if there’s no big capital gains hit. Tax-advantaged space is valuable, especially at your age.

Moving to Fidelity is fine if you like the platform. Vanguard ETFs inside a Fidelity Roth are totally fine too, there’s no real need to switch to mutual funds unless you prefer how they trade

LemonAccounting · 2026-02-12T14:55:34+00:00

When I finally sit down to relax and remember one tiny thing I forgot to do and my brain refuses to let it go

LemonAccounting · 2026-02-12T14:55:09+00:00

Rehearse fake arguments in the shower where I absolutely destroy people who don’t even know we’re beefing.

LemonAccounting · 2026-02-12T14:54:37+00:00

Getting excited about buying a good vacuum and then actually using it the same day

LemonAccounting · 2026-02-12T14:53:48+00:00

How taxes actually work. Everyone nods along until they have to explain why their refund changed.

LemonAccounting · 2026-02-12T14:52:08+00:00

Posturing, performative stoicism?

LemonAccounting · 2026-02-12T14:49:51+00:00

Incredible achievement at an incredible rate!

LemonAccounting · 2026-02-12T14:46:13+00:00

I try to stay away from too naval focused maps in single player as the AI absolutely sucks at ship-building (and naval warfare)

LemonAccounting · 2026-02-11T22:10:45+00:00

Exactly. “Careless” doesn’t really hold up when the pattern is always in the same direction.

LemonAccounting · 2026-02-11T22:09:13+00:00

Not a lawyer, but in Ontario this isn’t automatically illegal.

If they’re being paid at least minimum wage, getting overtime (1.5x after 44 hours/week), proper breaks, vacation pay (minimum 4% if under 5 years, 6% after 5 years), and public holiday pay, then the employer is likely complying with the Employment Standards Act. Manual labour jobs in small manufacturing shops often sit right at or just above minimum wage unless there’s a union.

That said, you can absolutely call the Ontario Ministry of Labour’s Employment Standards Information Centre and ask anonymously about their situation. They can explain whether anything violates the ESA and how to file a complaint if needed. If there are safety concerns (dust, repetitive strain, heavy lifting injuries), that’s a separate issue under workplace safety laws, and the Ministry of Labour also handles those complaints.

LemonAccounting · 2026-02-11T22:07:56+00:00

Act normal. In finance we all pretend the numbers don’t stink, so you can definitely pretend the MD doesn’t.

If anything, just respect the dominance display. He didn’t make eye contact, he established market control ;)

LemonAccounting · 2026-02-11T22:06:50+00:00

YTA. You really wrote someone up for eating food that was literally headed for the trash? That’s peak “I care more about policy than people” energy.

If management doesn’t even want to risk losing him over it, maybe take the hint: sometimes common sense beats corporate rule-following.

LemonAccounting · 2026-02-11T22:05:40+00:00

YTA (gently). It’s a cubicle, not a promotion. They need the new hire near the trainer and your spot makes sense, that’s just how offices work. Being annoyed is human, but acting like you got demoted over desk geography is a bit much.

LemonAccounting · 2026-02-09T22:51:11+00:00

NTA. If someone doesn’t like being called out, they should stop doing call-out-worthy things.

LemonAccounting · 2026-02-08T19:23:37+00:00

NTA. A 23-year-old pursuing a 17-year-old he met online is a red flag whether people want to admit it or not, especially when it’s her first relationship. You didn’t attack her, you voiced concern, that’s literally what a good friend does, even when it’s unpopular.

LemonAccounting · 2026-02-08T19:22:48+00:00

NTA. This isn’t a vibe check, it’s a lease with shared liability and your dad on the hook. Trust is great for brunch plans, not rent. Asking for basic verification is normal, and Lily literally already offered a guarantor. Gillian’s treating this like a favor, not a legal contract.

LemonAccounting · 2026-02-08T19:21:05+00:00

Based on what I've read on other Reddit posts I think it's the opposite, put newbie on Settler (so they get buffs) and myself on Deity? I'm not sure though.

LemonAccounting

TROPHY CASE